Construction financing, drawn as you build.
“I want to build, but nobody hands you one big cheque.”
Custom homes, major renovations and builder projects, funded in stages from land to lock-up to completion, with a plan for the mortgage that takes over when the dust settles.
FSRA licensed · 70+ banks & lenders · 20+ years experience
Projects we fund
Custom home builds
Tear-down-and-rebuild or building on land you own, financed through the full construction cycle.
Major renovations & additions
Second storeys, additions and full-gut renovations too large for a simple refinance or line of credit.
Land acquisition
Financing for the lot itself, structured so it rolls into the construction facility when you're ready to build.
Builder & spec projects
Facilities for small builders, spec homes, infills and multi-lot projects, with draw schedules that match how you actually build.
Money that arrives in stages
Budget & appraisal first
The lender approves the full project cost against the as-complete value, your budget, plans and contracts become the file.
Progress draws
Funds are released at milestones, typically foundation, lock-up, drywall and completion, with an inspection confirming each stage.
Interest-only while you build
During construction you pay interest only on what's been drawn, keeping carrying costs down until the project is done.
Completion takeout
At occupancy the construction loan converts or refinances into a normal mortgage at standard rates, we arrange the exit before the first shovel.
Frequently asked
How much do I need to put into a construction project?
How are construction draws released?
What happens when construction is finished?
Other ways we can help
Renewal & Switch
That's how 1.15 million renewals go this year, signed, not shopped. However close your date is, there's room in that letter. See what yours isn't telling you.
Learn more →Mortgage Refinance
Unlock equity, consolidate high-interest debt, fund renovations or invest, without selling your home.
Learn more →Second Mortgage
A second sits behind your first, the low rate stays exactly where it is, and can fund in days, not weeks. See when a second beats a refinance, and when it doesn't.
Learn more →Your next step starts with a conversation.
Free, confidential and no-obligation. Bring your questions, leave with a plan.